Senath State Bank

Overview / Commentary
117 East Commercial Street
Senath, MO 63876

Senath State Bank is headquartered in Senath and is the 204th largest bank in the state of Missouri. It is also the 4,177th largest bank in the nation. It was established in 1935 and as of September of 2021, it had grown to 18 employees at 3 locations. Senath State Bank has an A health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Senath State Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #15101
Year Established1935
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.42%
Return on Equity - YTD10.41%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$88.7MM$80.9MM
LoansQ3 2021vs Q3 2020$48.9MM$49.0MM
DepositsQ3 2021vs Q3 2020$75.8MM$68.2MM
Equity CapitalQ3 2021vs Q3 2020$12.7MM$12.5MM
Loan Loss AllowanceQ3 2021vs Q3 2020$796.00K$769.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$153.00K$152.00K
Real Estate OwnedQ3 2021vs Q3 2020$43.00K$104.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Senath State Bank Savings Account Rates


Senath State Bank Money Market Rates

0.25%*$100k*$1000kMoney Market Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $100k

Senath State Bank Checking Account Rates

0.10%--NOW Account

Senath State Bank CD Rates

0.60%--60 Month CD
0.55%--48 Month CD
0.50%--36 Month CD
0.35%--24 Month CD
0.35%--30 Month CD
0.30%--12 Month CD
0.30%--18 Month CD
0.15%--6 Month CD
0.10%--3 Month CD

Senath State Bank IRA Rates

0.60%--60 Month IRA
0.55%--48 Month IRA
0.50%--36 Month IRA
0.35%--24 Month IRA
0.35%--30 Month IRA
0.30%--12 Month IRA
0.30%--18 Month IRA
0.15%--6 Month IRA
0.10%--3 Month IRA

Senath State Bank Locations
Kennett Branch1112 First StreetKennett, MO 63857
Senath State Bank117 East Commercial StreetSenath, MO 63876
Drive-In Branch202 North East Frisco StreetArbyrd, MO 63821

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